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119-hr-2571119th CongressWALLET
Self-Insurance Protection Act
Sponsored By: Representative Onder, Robert F. [R-MO-3]
In Committee
Summary
Would protect self-funded group health plans' use of stop-loss insurance. It would clarify that stop-loss policies are not 'health insurance' under ERISA and would preempt State laws that try to block or reclassify those arrangements.
Show full summary
- Employers and plan sponsors: Employers that self-insure would be able to buy stop-loss policies without those policies counting as health insurance under ERISA.
- Self-funded group health plans: Plans would get a federal shield to insure against excess or unexpected losses.
- States: State laws that would stop group health plans from buying stop-loss coverage would be preempted.
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Bill Overview
Analyzed Economic Effects
1 provisions identified: 1 benefits, 0 costs, 0 mixed.
Protect stop-loss coverage for self-insured employers
This bill would clarify rules for self-insured employer health plans. A stop-loss policy that pays above a set level would not count as health insurance. It would also bar states from blocking plans from insuring big or unexpected claim losses. That could make self-funding easier while limiting risk for employers. No effective date is specified.
Sponsors & CoSponsors
Sponsor
Onder, Robert F. [R-MO-3]
MO • R
Cosponsors
Rep. Messmer, Mark B. [R-IN-8]
IN • R
Sponsored 7/10/2025
Rep. Grothman, Glenn [R-WI-6]
WI • R
Sponsored 9/8/2025
Roll Call Votes
No roll call votes available for this bill.
View on Congress.gov